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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Safe Haven (Most States)

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Highlights

Premium Type
Single Premium
Max age Qualified
90
Minimum Contribution
$5,000
Maximum Contribution
$1,000,000
Market value adjustment
Return of premium
Free withdrawal
0%
Launch date
01/04/2016
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP
Brochure
Open brochure
Atlantic Coast Life Insurance Company's Safe Haven Bonus Guarantee annuity was designed for those who are retired or nearing retirement. Planning for retirement is not always easy and sometimes the control is not yours. Safe Haven Bonus Guarantee offers you a flexible and guaranteed way to have the security and peace of mind you need to enjoy retirement.
Safe Haven Bonus Guarantee gives you control over the duration of the annuity, which can be five, six, seven, ten or twenty years.

Preferred 10% Free Withdrawal - 0.15% interest reduction
Death Benefit Feature - 0.25% interest reduction
Accumulated Interest Withdrawal - 0.05% interest reduction

Issue Ages
0 to 90 (5, 6, 7 and 10 year guarantee period)
0 to 75 (20 year guarantee period)

Market Value Adjustment (MVA)
The MVA expires at the end of each Guarantee Period and reinstates if you select a new Guarantee Period.

Cash Surrender Values
A surrender charge is taken on partial withdrawals or full surrenders during any surrender charge period. The surrender charge is the partial withdrawal amount or the contract value (for full surrenders) multiplied by the market value adjustment, multiplied by the surrender charge percentages shown below. Surrender charge calculations may be affected by the addition of riders. 
Surrender charges during renewal periods: 5% all years 
During the last 30 days before the end of any guarantee period, the contract can be surrendered with no market value adjustment or surrender charges. 

Find out if the Safe Haven (Most States) is the right product for you.

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MYGA Interest Rates

Term
Rate
Annual percentage yield (APY)
earned over the investment term
3 years 5.9%
5 years 5.75%
6 years 5.62%
7 years 5.59%
10 years 5.45%

Traditional Fixed Annuity Interest Rates

Surrender Years First Year Yield Term Guaranteed Yield Term Current Yield
8 6.35% 5.45% 5.45%

Riders

Name Inbuilt Fee
Death Benefit Feature No 0.25% rate reduction
Preferred 10% Free Withdrawal No 0.15% rate reduction
Accumulated Interest Withdrawal No 0.05% rate reduction
Death Benefit Feature No 0.25% rate reduction

Waivers

Surrender Window

At the end of your guarantee period, you will have the option to renew your annuity for another guarantee period. We will contact you and provide a 30-day window to select a new guaranteed interest rate. During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment.

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